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Questions & Answers
Submit your P&C insurance coverage-related questions to the FC&S expert staff. You can expect a prompt response. Our policy is to answer inquiries within approximately five business days when at all possible.
Ask The Experts ›As an FC&S Online subscriber, you can email your most challenging questions to our highly-skilled editors. It’s like having a personal staff of J.D.s and CPCUs on hand at all times.
Notice: Information provided by the Ask the Experts service is general in nature and intended for educational and informational purposes. The service does not provide legal advice.
Property Damage Caused by Riding Lawnmower August 11, 2014 The insured is a lawnmower repair company. The insured went to a customer's home to pick…
The Microorganism Exclusion August 5, 2014 The insured is a hotel. Claimant and her children and husband stayed at the insured hotel for seven days.…
July 28, 2014 I have a case where a frame restaurant has a sprinkler system and is recognized by ISO as being sprinklered, but the system does not…
Party in Leased Premises Causes Damage July 21, 2014 A beach house insured on an HO 03 policy was rented to others. Our investigation revealed…
Broad Coverage under Auto Med Pay Endorsement July 2, 2014 The attachment of an auto medical payments coverage endorsement (CA 99 03 03 06) to a standard…
Deductibles and the BAP July 2, 2014 Our insured lost control of his owned tractor which was connected to his owned trailer. Both units sustained damage.…
Pollution Exclusion and Clean Up Charges July 2, 2014 Our insured was hired by a restaurant to clean the hoods, grates, etc. Grease from prepared food…
Broad Form Products Coverage under the Garage Form July 2, 2014 The insured garage replaces engine in a customer's car. The engine that was installed…
Collision Damage Waiver and Coverage under the BAP July 2, 2014 Our insured driver had an at-fault motor vehicle accident in which the claimant's vehicle…
False pretenses and stolen credit card used to steal vehicle.